Dont warry be default it will go to index.htm or index.html. By default in your Server Apache configuration file Directory Index is set to index.html. So whenever any one type your domain name it will go to index.html.

I am a long time Cpanel user and always stuck with this question:
HOW DO I CHOOSE A FOLDER TO BE MY DEFAULT INDEX??
EX WWW.MYSITE.COM==> IS THE DEFAULT
I WANT TO PUT WWW.MYSITE.COM/FOLDER AS THE DEFAULT FOLDER

I am moving to cPanel from Webmin (and emacs/vi ) where it was easy to locate the virtual host controls like picking the default index file name. Where do you set the order to check for files - e.g. index.php before index.shtml for example.

I think it is just a matter of getting used to where things are - like changing index.html to index.php and other virutal host controls. I could edit by hand, but am attempting to get away from that!